Subtext

Huntington Bancshares Incorporated HBAN

SectorFinancials
Transcripts69
Date range2007-10-18 – 2025-04-17
Calls charted69

Sentiment timeline

Net Loughran-McDonald sentiment per call (×1000), earliest → latest.

-18-9+0+9+182007 Q32010 Q12012 Q32014 Q42017 Q12019 Q22021 Q32023 Q42007 Q3 · Overall: -6.32007 Q4 · Overall: -11.92008 Q1 · Overall: -8.32008 Q3 · Overall: -6.12008 Q4 · Overall: -8.92009 Q1 · Overall: -2.52009 Q2 · Overall: -7.82009 Q3 · Overall: -6.92009 Q4 · Overall: -1.02010 Q1 · Overall: +1.42010 Q3 · Overall: -0.42010 Q4 · Overall: -1.62011 Q1 · Overall: -0.62011 Q2 · Overall: +0.22011 Q3 · Overall: -0.52011 Q4 · Overall: +1.12012 Q1 · Overall: +7.52012 Q2 · Overall: +1.52012 Q3 · Overall: +4.42012 Q4 · Overall: +5.62013 Q1 · Overall: +0.22013 Q2 · Overall: +3.82013 Q3 · Overall: +1.92013 Q4 · Overall: +0.92014 Q1 · Overall: +4.52014 Q2 · Overall: +8.32014 Q3 · Overall: +7.92014 Q4 · Overall: +15.52015 Q1 · Overall: +6.92015 Q2 · Overall: +9.32015 Q3 · Overall: +6.62015 Q4 · Overall: +7.82016 Q1 · Overall: +3.72016 Q2 · Overall: +5.02016 Q3 · Overall: +6.22016 Q4 · Overall: +5.52017 Q1 · Overall: +2.12017 Q2 · Overall: +13.42017 Q3 · Overall: +6.12017 Q4 · Overall: +8.12018 Q1 · Overall: +6.52018 Q2 · Overall: +7.02018 Q3 · Overall: +4.32018 Q4 · Overall: +6.82019 Q1 · Overall: +4.42019 Q2 · Overall: +9.12019 Q3 · Overall: +3.62019 Q4 · Overall: +1.82020 Q1 · Overall: -8.42020 Q2 · Overall: -4.52020 Q3 · Overall: +2.82020 Q4 · Overall: +2.72021 Q1 · Overall: +6.12021 Q2 · Overall: +8.62021 Q3 · Overall: +10.02021 Q4 · Overall: +7.82022 Q1 · Overall: +8.42022 Q2 · Overall: +5.72022 Q3 · Overall: +9.32022 Q4 · Overall: +3.52023 Q1 · Overall: +4.72023 Q2 · Overall: +9.02023 Q3 · Overall: +8.52023 Q4 · Overall: +7.82024 Q1 · Overall: +7.12024 Q2 · Overall: +6.92024 Q3 · Overall: +7.52024 Q4 · Overall: +12.02025 Q1 · Overall: +8.1
Overall

CEO vs CFO

Average sentiment of each executive's remarks per call. Divergence is a signal.

-72-36+0+36+722007 Q32010 Q12012 Q32014 Q42017 Q12019 Q22021 Q32023 Q42007 Q3 · CEO: -6.72007 Q4 · CEO: -8.72008 Q1 · CEO: -5.42008 Q3 · CEO: +0.02008 Q4 · CEO: +3.72009 Q1 · CEO: +14.22009 Q2 · CEO: +4.52009 Q3 · CEO: +4.32009 Q4 · CEO: +5.72010 Q1 · CEO: +12.22010 Q3 · CEO: +1.92010 Q4 · CEO: +1.82011 Q1 · CEO: +2.32011 Q2 · CEO: +4.32011 Q3 · CEO: +5.62011 Q4 · CEO: +8.12012 Q1 · CEO: +14.52012 Q2 · CEO: +10.62012 Q3 · CEO: +17.72012 Q4 · CEO: +10.62013 Q1 · CEO: +6.02013 Q2 · CEO: +12.02013 Q3 · CEO: +11.12013 Q4 · CEO: +8.02014 Q1 · CEO: +8.02014 Q2 · CEO: +17.32014 Q3 · CEO: +15.22014 Q4 · CEO: +29.02015 Q1 · CEO: +29.02015 Q2 · CEO: +22.92015 Q3 · CEO: +6.22015 Q4 · CEO: +18.02016 Q1 · CEO: +9.52016 Q3 · CEO: +11.12016 Q4 · CEO: +18.72017 Q1 · CEO: +17.32017 Q2 · CEO: +17.72017 Q3 · CEO: +13.62017 Q4 · CEO: +21.12018 Q1 · CEO: +22.02018 Q2 · CEO: +16.82018 Q3 · CEO: +13.82018 Q4 · CEO: +15.22019 Q1 · CEO: +6.02019 Q3 · CEO: +4.92019 Q4 · CEO: +11.12020 Q1 · CEO: -1.22020 Q2 · CEO: +7.42020 Q3 · CEO: +17.12020 Q4 · CEO: +10.52021 Q1 · CEO: +22.22021 Q3 · CEO: +31.12021 Q4 · CEO: +16.72022 Q1 · CEO: +19.22022 Q2 · CEO: +17.32022 Q3 · CEO: +29.52022 Q4 · CEO: +23.32023 Q1 · CEO: +17.32023 Q2 · CEO: +29.22023 Q3 · CEO: +19.82023 Q4 · CEO: +23.62024 Q1 · CEO: +23.92024 Q2 · CEO: +17.62024 Q3 · CEO: +25.52024 Q4 · CEO: +22.02025 Q1 · CEO: +12.72007 Q3 · CFO: +0.02007 Q4 · CFO: -10.62008 Q1 · CFO: -6.32008 Q3 · CFO: -2.32008 Q4 · CFO: -19.62009 Q1 · CFO: +3.82009 Q2 · CFO: -2.12009 Q3 · CFO: +0.02009 Q4 · CFO: +9.82010 Q1 · CFO: +7.72010 Q3 · CFO: +2.22010 Q4 · CFO: -0.52011 Q1 · CFO: +3.92011 Q2 · CFO: -1.92011 Q3 · CFO: +5.12011 Q4 · CFO: +6.82012 Q1 · CFO: +11.42012 Q2 · CFO: +3.22012 Q3 · CFO: +10.02012 Q4 · CFO: +16.82013 Q1 · CFO: +5.92013 Q2 · CFO: +6.42013 Q3 · CFO: +0.72013 Q4 · CFO: +1.22014 Q1 · CFO: +62.52014 Q2 · CFO: +5.92014 Q3 · CFO: +5.52014 Q4 · CFO: +11.82015 Q1 · CFO: +3.12015 Q2 · CFO: +10.32015 Q3 · CFO: +10.92015 Q4 · CFO: +5.22016 Q1 · CFO: +1.92016 Q3 · CFO: +8.42016 Q4 · CFO: +7.02017 Q1 · CFO: +5.52017 Q2 · CFO: +16.22017 Q4 · CFO: +13.82018 Q1 · CFO: +8.92018 Q3 · CFO: +8.22018 Q4 · CFO: +9.12019 Q1 · CFO: +6.22019 Q2 · CFO: +13.62019 Q3 · CFO: +5.72019 Q4 · CFO: +6.22020 Q1 · CFO: -5.92020 Q2 · CFO: -1.72020 Q3 · CFO: +5.42020 Q4 · CFO: +5.62021 Q1 · CFO: +5.02021 Q3 · CFO: +11.12021 Q4 · CFO: +7.12022 Q1 · CFO: +10.42022 Q2 · CFO: +7.32022 Q3 · CFO: +11.52022 Q4 · CFO: +4.22023 Q1 · CFO: +6.52023 Q2 · CFO: +7.42023 Q3 · CFO: +9.52023 Q4 · CFO: +3.02024 Q1 · CFO: +6.12024 Q2 · CFO: +7.22024 Q3 · CFO: +9.62024 Q4 · CFO: +12.42025 Q1 · CFO: +7.6
CEOCFO

Prepared remarks vs Q&A

Scripted tone vs unscripted answers. The gap is information.

-28-14+0+14+282007 Q32010 Q12012 Q32014 Q42017 Q12019 Q22021 Q32023 Q42007 Q3 · Prepared remarks: -5.32007 Q4 · Prepared remarks: -11.62008 Q1 · Prepared remarks: -7.72008 Q3 · Prepared remarks: -5.62008 Q4 · Prepared remarks: -8.42009 Q1 · Prepared remarks: -2.82009 Q2 · Prepared remarks: -2.82009 Q3 · Prepared remarks: -5.02009 Q4 · Prepared remarks: +0.02010 Q1 · Prepared remarks: +3.02010 Q3 · Prepared remarks: +1.32010 Q4 · Prepared remarks: -2.12011 Q1 · Prepared remarks: -2.42011 Q2 · Prepared remarks: +1.22011 Q3 · Prepared remarks: -1.42011 Q4 · Prepared remarks: -0.52012 Q1 · Prepared remarks: +11.22012 Q2 · Prepared remarks: +3.42012 Q3 · Prepared remarks: +6.72012 Q4 · Prepared remarks: +10.92013 Q1 · Prepared remarks: +3.52013 Q2 · Prepared remarks: +7.42013 Q3 · Prepared remarks: +0.72013 Q4 · Prepared remarks: -5.32014 Q1 · Prepared remarks: +6.62014 Q2 · Prepared remarks: +9.92014 Q3 · Prepared remarks: +8.92014 Q4 · Prepared remarks: +16.32015 Q1 · Prepared remarks: +12.52015 Q2 · Prepared remarks: +12.52015 Q3 · Prepared remarks: +8.22015 Q4 · Prepared remarks: +10.32016 Q1 · Prepared remarks: +2.62016 Q2 · Prepared remarks: +9.32016 Q3 · Prepared remarks: +8.62016 Q4 · Prepared remarks: +12.72017 Q1 · Prepared remarks: +9.72017 Q2 · Prepared remarks: +13.22017 Q3 · Prepared remarks: +5.12017 Q4 · Prepared remarks: +14.42018 Q1 · Prepared remarks: +10.72018 Q2 · Prepared remarks: +7.62018 Q3 · Prepared remarks: +9.22018 Q4 · Prepared remarks: +8.32019 Q1 · Prepared remarks: +2.82019 Q2 · Prepared remarks: +4.02019 Q3 · Prepared remarks: +3.62019 Q4 · Prepared remarks: +4.92020 Q1 · Prepared remarks: -8.12020 Q2 · Prepared remarks: -3.62020 Q3 · Prepared remarks: +7.52020 Q4 · Prepared remarks: +2.32021 Q1 · Prepared remarks: +9.02021 Q2 · Prepared remarks: +21.62021 Q3 · Prepared remarks: +15.72021 Q4 · Prepared remarks: +8.82022 Q1 · Prepared remarks: +14.22022 Q2 · Prepared remarks: +12.12022 Q3 · Prepared remarks: +12.52022 Q4 · Prepared remarks: +6.92023 Q1 · Prepared remarks: +10.52023 Q2 · Prepared remarks: +16.22023 Q3 · Prepared remarks: +12.22023 Q4 · Prepared remarks: +8.12024 Q1 · Prepared remarks: +7.12024 Q2 · Prepared remarks: +8.82024 Q3 · Prepared remarks: +9.72024 Q4 · Prepared remarks: +13.12025 Q1 · Prepared remarks: +9.92007 Q3 · Q&A responses: -4.62007 Q4 · Q&A responses: -9.42008 Q1 · Q&A responses: -4.82008 Q3 · Q&A responses: -1.72008 Q4 · Q&A responses: -3.32009 Q1 · Q&A responses: +6.32009 Q2 · Q&A responses: -10.12009 Q3 · Q&A responses: -5.52009 Q4 · Q&A responses: +3.32010 Q1 · Q&A responses: +6.42010 Q3 · Q&A responses: +1.12010 Q4 · Q&A responses: +4.22011 Q1 · Q&A responses: +7.22011 Q2 · Q&A responses: +2.12011 Q3 · Q&A responses: +2.32011 Q4 · Q&A responses: +5.32012 Q1 · Q&A responses: +7.32012 Q2 · Q&A responses: +3.32012 Q3 · Q&A responses: +7.52012 Q4 · Q&A responses: +6.22013 Q1 · Q&A responses: +3.82013 Q2 · Q&A responses: +5.42013 Q3 · Q&A responses: +6.12013 Q4 · Q&A responses: +9.92014 Q1 · Q&A responses: +9.22014 Q2 · Q&A responses: +15.72014 Q3 · Q&A responses: +12.72014 Q4 · Q&A responses: +24.62015 Q1 · Q&A responses: +11.72015 Q2 · Q&A responses: +15.62015 Q3 · Q&A responses: +10.02015 Q4 · Q&A responses: +6.12016 Q1 · Q&A responses: +8.02016 Q2 · Q&A responses: +6.22016 Q3 · Q&A responses: +5.92016 Q4 · Q&A responses: +7.22017 Q1 · Q&A responses: +6.42017 Q2 · Q&A responses: +19.52017 Q3 · Q&A responses: +14.22017 Q4 · Q&A responses: +12.12018 Q1 · Q&A responses: +13.92018 Q2 · Q&A responses: +14.72018 Q3 · Q&A responses: +8.32018 Q4 · Q&A responses: +9.22019 Q1 · Q&A responses: +11.22019 Q2 · Q&A responses: +20.22019 Q3 · Q&A responses: +5.92019 Q4 · Q&A responses: +1.22020 Q1 · Q&A responses: -3.22020 Q2 · Q&A responses: -1.12020 Q3 · Q&A responses: +4.12020 Q4 · Q&A responses: +5.52021 Q1 · Q&A responses: +10.52021 Q2 · Q&A responses: +9.62021 Q3 · Q&A responses: +10.02021 Q4 · Q&A responses: +11.32022 Q1 · Q&A responses: +10.52022 Q2 · Q&A responses: +7.82022 Q3 · Q&A responses: +13.42022 Q4 · Q&A responses: +3.32023 Q1 · Q&A responses: +6.62023 Q2 · Q&A responses: +8.02023 Q3 · Q&A responses: +11.02023 Q4 · Q&A responses: +9.82024 Q1 · Q&A responses: +9.22024 Q2 · Q&A responses: +10.42024 Q3 · Q&A responses: +13.42024 Q4 · Q&A responses: +15.02025 Q1 · Q&A responses: +11.4
Prepared remarksQ&A responses

Tone vs forward expectations

Management tone next to Wall Street's forward-looking numbers (glopardo): the 12-month forward EPS estimate and the forward P/E per call.

Forward EPS estimate

$0.59$1.11$1.632007 Q32010 Q12012 Q32014 Q42017 Q12019 Q22021 Q32023 Q42014 Q1: $0.732014 Q2: $0.752014 Q3: $0.792014 Q4: $0.802015 Q1: $0.822015 Q2: $0.852015 Q3: $0.902015 Q4: $0.902016 Q1: $0.882016 Q2: $0.902016 Q3: $0.872016 Q4: $0.952017 Q1: $0.992017 Q2: $1.012017 Q3: $1.052017 Q4: $1.072018 Q1: $1.242018 Q2: $1.272018 Q3: $1.342018 Q4: $1.372019 Q1: $1.372019 Q2: $1.362019 Q3: $1.332019 Q4: $1.332020 Q1: $1.282020 Q2: $0.662020 Q3: $0.862020 Q4: $1.072021 Q1: $1.222021 Q2: $1.422021 Q3: $1.372021 Q4: $1.422022 Q1: $1.382022 Q2: $1.452022 Q3: $1.492022 Q4: $1.562023 Q1: $1.522023 Q2: $1.392023 Q3: $1.302023 Q4: $1.242024 Q1: $1.262024 Q2: $1.312024 Q3: $1.322024 Q4: $1.34

Forward P/E

5.3010.6816.072007 Q32010 Q12012 Q32014 Q42017 Q12019 Q22021 Q32023 Q42014 Q1: 13.332014 Q2: 12.732014 Q3: 12.872014 Q4: 12.742015 Q1: 13.572015 Q2: 13.362015 Q3: 12.342015 Q4: 12.592016 Q1: 10.832016 Q2: 10.572016 Q3: 11.262016 Q4: 13.792017 Q1: 14.072017 Q2: 13.282017 Q3: 12.322017 Q4: 13.632018 Q1: 12.972018 Q2: 12.202018 Q3: 11.712018 Q4: 8.392019 Q1: 10.142019 Q2: 9.682019 Q3: 10.952019 Q4: 11.502020 Q1: 6.042020 Q2: 15.332020 Q3: 11.472020 Q4: 11.702021 Q1: 13.202021 Q2: 10.122021 Q3: 11.102021 Q4: 10.832022 Q1: 11.182022 Q2: 8.682022 Q3: 9.322022 Q4: 8.932023 Q1: 7.152023 Q2: 7.792023 Q3: 8.172023 Q4: 9.942024 Q1: 10.652024 Q2: 9.512024 Q3: 11.032024 Q4: 11.87

Divergence watch ⚑

Quarters where tone and the forward EPS estimate moved opposite ways.

  • 2015 Q1 tone ↓ -8.6 fwd EPS ↑ +0.02 Tone cooled even as the forward EPS estimate rose.
  • 2015 Q3 tone ↓ -2.7 fwd EPS ↑ +0.05 Tone cooled even as the forward EPS estimate rose.
  • 2017 Q1 tone ↓ -3.4 fwd EPS ↑ +0.04 Tone cooled even as the forward EPS estimate rose.
  • 2017 Q3 tone ↓ -7.2 fwd EPS ↑ +0.04 Tone cooled even as the forward EPS estimate rose.
  • 2018 Q3 tone ↓ -2.6 fwd EPS ↑ +0.07 Tone cooled even as the forward EPS estimate rose.
  • 2020 Q2 tone ↑ +3.8 fwd EPS ↓ -0.62 Tone rose while the forward EPS estimate was cut.
  • 2021 Q4 tone ↓ -2.1 fwd EPS ↑ +0.05 Tone cooled even as the forward EPS estimate rose.
  • 2022 Q2 tone ↓ -2.7 fwd EPS ↑ +0.07 Tone cooled even as the forward EPS estimate rose.
  • 2022 Q4 tone ↓ -5.8 fwd EPS ↑ +0.07 Tone cooled even as the forward EPS estimate rose.
  • 2023 Q2 tone ↑ +4.4 fwd EPS ↓ -0.13 Tone rose while the forward EPS estimate was cut.

Recent transcripts

CallDateSentiment ×1000Fwd EPSFwd P/E
2025 Q12025-04-17+8.1——View →
2024 Q42025-01-17+12.0$1.3411.9View →
2024 Q32024-10-17+7.5$1.3211.0View →
2024 Q22024-07-19+6.9$1.319.5View →
2024 Q12024-04-19+7.1$1.2610.7View →
2023 Q42024-01-19+7.8$1.249.9View →
2023 Q32023-10-20+8.5$1.308.2View →
2023 Q22023-07-21+9.0$1.397.8View →